State guide · GANo paid placement
Home warranty
in Georgia.
Georgia requires home warranty companies to post a surety bond of at least $100,000 under Title 33 of the Official Code of Georgia Annotated.
Surety bond required3 reviewed providers ranked
Photo · R Architecture / Unsplash
Why Georgia is different
Georgia requires home warranty companies to post a surety bond of at least $100,000 under Title 33 of the Official Code of Georgia Annotated. In March 2024, the Insurance and Safety Fire Commissioner issued a cease-and-desist order against Choice Home Warranty for failing to meet that requirement. The company had not posted the bond despite warnings. On April 10, 2024, the Commissioner announced that, "effective immediately, Choice Home Warranty is prohibited from selling or soliciting home warranty or service contracts in Georgia."
Source: Georgia Office of Commissioner of Insurance and Safety Fire, news release, April 10, 2024 (required bond of not less than $100,000; Choice Home Warranty prohibited from selling) (State regulator, accessed 2026-10-07) · Same release (PDF) (State regulator, accessed 2026-10-07)
Coverage-priority context · GA
What breaks in Georgia.
Issue 01
Hot, humid summers driving heavy air-conditioning load and compressor wear
Issue 02
Georgia red clay affecting slab plumbing and foundation movement
Issue 03
Older intown Atlanta housing stock with aging HVAC and plumbing
§ 02Best providers in Georgia
01
AHS
American Home Shield
Homeowners who want broad systems coverage and a choice of service fee.
Score
4.1/5
02
FAH
First American Home Warranty
Owners of newer homes who prioritize appliance coverage and some improper-installation protection.
Score
3.8/5
03
CHW
Choice Home Warranty
Budget-focused homeowners who want a predictable flat service fee and straightforward plan choices.
Score
3.7/5
§ 03Common questions for Georgia
When does coverage start after I buy a plan?
When the waiting period in your contract ends. Providers set different lengths. Liberty Home Guard's sample policy starts coverage 30 days after purchase and requires covered items to be in working order that day. American Home Shield's 2024 sample plan agreement shows an initial waiting period of 0 days. Under Liberty's terms, a covered item that breaks on day 20 falls inside that 30-day holding period and is not covered, so read each provider's sample contract before you buy.
Can I buy a plan after something has already broken?
You can buy one, but the two sample contracts we read would not pay for a breakdown you already have. Liberty Home Guard's sample policy "does not cover any known or unknown pre-existing conditions." American Home Shield's 2024 sample plan agreement says a covered breakdown "must occur during the Plan Agreement Term," and it excludes earlier breakdowns that "were either known by you or were reasonably detectable by you."